1182 Bellow Falls Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 1182 Bellow Falls Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,435 sqft · built 1995
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$369,000 (Jul 2024)
Tax Bill	$3,909 (2025)
Deeds & Mortgages	Nov 2023 Sale Aug 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A963000180`

Property Details

APN / Parcel Number

Primary APN	`A963000180`
Alternative APN	`3-157C-7285-00-0088.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,435 sqft Living Area
Gross Area	3,257 sqft
1st Floor Area	1,466 sqft
Basement Area	1,384 sqft
Finished Basement	969 sqft
Unfinished Basement	415 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	407 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	334 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A963000180
Street Address	1182 BELLOW FALLS DR
City	O FALLON
State	MO
Zip	63368-8621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTICELLO MANOR LOT 88
Legal Subdivision	MONTICELLO MANOR
Legal Lot Number	88
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	1
Census Block	1007
Census Tract	311124

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1182 BELLOW FALLS DR, O FALLON, MO 63368-8621
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Beneficiary Deed, Transfer
Aug 24, 2020	Deed of Trust, Mortgage · Line of Credit NEIGHBORS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2024 · Amount on Record
Deed Sale	Jul 22, 2024 · Amount on Record
Prior Sale	Oct 7, 2015 · Amount on Record
Deed Document Number	202428789
Prior Transfer Date	Nov 9, 2023
Prior Transfer Doc	0000046342
Record Updated	Oct 29, 2026

November 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 9, 2023
Property Address	1182 BELLOW FALLS DR, O FALLON, MO 63368-8621
Document Number	0000046342
Map Reference	MB 32 PG 257
Instrument Date	Nov 9, 2023
Instrument	2023R-046342
Transaction Type	Transfer
Record Updated	Nov 23, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1182 BELLOW FALLS DR, O FALLON, MO 63368-8621

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1182 BELLOW FALLS DR, O FALLON, MO 63368-8621

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1182 BELLOW FALLS DR, O FALLON, MO 63368-8621
Document Number	0000096865
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 5, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1182 BELLOW FALLS DR O FALLON MO 633688621, O FALLON, MO 63368-8621

Mortgage

Document Number	0000096865
Date	Dec 10, 2020
Instrument	96865

Lender

Name	NEIGHBORS CU
Address	SAINT LOUIS, MO 63123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 9, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$61,256 (-)	$322,402 (-) Land $65,800 Building $256,602
2025	$3,909.00 (+12.46%)	$61,256 (+13.59%)	$322,402 (+13.59%) Land $65,800 Building $256,602
2024	$3,476.00
2023		$53,926
2022			$283,819 Land $50,000 Building $233,819

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Wisper ISP.

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